Mortgage 101

Fundamentals of Home Mortgage Loans

To better help you understand home mortgages, we have provided content for certain mortgage topics important to understanding the home loan process. If you have any questions concerning the home loan process, please contact your Loan Originator who is on standby ready to assist you with your home mortgage needs.

Mortgage Dictionary

Important terms necessary to understanding mortgages and the loan process. Learn More…

Refinance Guide

FICO Score

Residential Mortgage Loan Originators

Ginger is an expert in all loan types – Conv, FHA, VA & USDA. She can explain the advantages of Down Payment Assistance Programs, help you determine if you qualify for these programs & help you find the loan program that best suits your needs.

Testimonials

Consumers wishing to file a complaint against a mortgage banker or a licensed mortgage banker residential mortgage loan originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the Department's website at www.sml.texas.gov. A toll-free consumer hotline is available at 1-877-276-5550. NTFN, Inc. is licensed by the Texas Department of Savings and Mortgage Lending. NTFN, Inc. is licensed under the laws of the state of Texas and by state law is subject to regulatory oversight by the Department of Savings and Mortgage Lending. The department maintains a recovery fund to make the payments to certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage banker residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department's website at www.sml.texas.gov.